Our Process

365 Retirement Plan™

Our trademarked 5-step planning process is designed to help you meet your individual goals in retirement. During this process, we work step by step to learn more about you, establish a rapport, answer any concerns or questions you have, and build a plan that addresses your personal and financial needs.

5-Step Planning Process

Click each step for more info

Step 1

Discovery Stage

During our first meeting, we devote our time to learning about your goals and collecting data. We get to know you and your individual financial situation and then talk about what you want out of your retirement.

Step 2

Analyze Stage

We now go to work. After research and analysis, we will put together your 365 Retirement Plan™ to address top areas of concern, including growth, income, LTC, legacy and estate planning.

Step 3

Recommendation Stage

During our second meeting, we will review your own 365 Retirement Plan™ to see if you are on track, and also give you our Probability of Success analysis.

Step 4

Implementation Stage

Implement changes and suggested strategies for a comfortable retirement with added peace of mind.

Step 5

Maintenance & Monitoring Stage

An ongoing process, step 5 is the maintenance and monitoring stage of the 365 Retirement Plan™. We regularly monitor your accounts, assets, and goals to ensure they continue to align with the written plan we built together. If anything changes with your desires or your situation, we will reconvene to adjust the plan as necessary to evolve with your needs. If we note anything of concern while monitoring, we’ll contact you so that we can choose a plan of action together.

Build Your 365 Retirement Plan™

To begin the discovery stage of your 365 Retirement Plan™, fill out the form and one of our team members will contact you to set up a time to talk.

Ryan Marston and John Conley are Investment Adviser Representatives of Retirement Wealth Advisors, Inc. (RWA), an SEC Registered Investment Advisor. Rubino & Liang Wealth Partners, LLC and RWA are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered; it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Rubino & Liang Wealth Partners, LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc. Insurance and annuities offered through licensed professionals of R & L Insurance Agency, LLC. MA Insurance License #1783398.

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